System and process for conducting multiple transactions with a single card

ABSTRACT

A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims the benefit from U.S. Provisional ApplicationNo. 61/794,836 filed on Mar. 15, 2013, which is hereby incorporated byreference in its entirety for all purposes as if fully set forth herein.

FIELD OF THE DISCLOSURE

The disclosure is related generally to a transaction system and, moreparticularly, to a transaction system and process for conductingcommercial transactions using a single common transaction card.

BACKGROUND OF THE DISCLOSURE

An increasingly large number of transaction cards have become availableto consumers for conducting various transactions. A transaction card maybe used to effectuate payment in a transaction or obtain a service.Various transaction card issuers, such as credit card companies, banks,retailers, prepaid wireless service providers, long distance telephoneservice providers and vendors may frequently provide consumers withthese various transaction cards. For example, consumers may have avariety of transaction cards, for example, credit cards, debit cards,smart cards, prepaid wireless service cards, long distance telephoneservice cards and/or any other transaction cards that may be used tocomplete a transaction to purchase products, obtain services, or thelike.

Oftentimes, users must carry a card for conducting various financialtransactions, another card for obtaining prepaid wireless service,another card for obtaining long distance service, and so on. Thenumerous transaction cards make it difficult for a consumer to be ableto manage the various stored values associated with each of the cardsincluding ensuring that each transaction card has a sufficient value forthe product or service to be obtained, and so on. Moreover, it becomesdifficult for the consumer to use the various cards efficiently as thevarious values are not transferable between various entities that issuethe cards.

Thus, a system and process for conducting multiple transactionsutilizing a single common card for the consumer is needed.

SUMMARY OF THE DISCLOSURE

The foregoing needs are met, to a great extent, by the disclosure, witha process and system for providing a consumer with a single card thatmay be used to obtain a number of different products and obtain a numberof different services.

In accordance with other aspects of this particular embodiment, atransaction system includes a system that is configured to providefinancial transactions based on a single card, the system is furtherconfigured to provide prepaid wireless service based on the single card,and the system is further configured to provide long-distance servicebased on the single card.

In accordance with further aspects of this particular embodiment, atransaction process includes providing financial transactions based on asingle card, providing prepaid wireless service based on the singlecard, and providing long-distance service based on the single card.

There has thus been outlined, rather broadly, certain aspects of thedisclosure in order that the detailed description thereof herein may bebetter understood, and in order that the present contribution to the artmay be better appreciated. There are, of course, additional aspects ofthe disclosure that will be described below and which will form thesubject matter of the claims appended hereto.

In this respect, before explaining at least one aspect of the disclosurein detail, it is to be understood that the disclosure is not limited inits application to the details of construction and to the arrangementsof the components set forth in the following description or illustratedin the drawings. The disclosure is capable of aspects in addition tothose described and of being practiced and carried out in various ways.Also, it is to be understood that the phraseology and terminologyemployed herein, as well as the abstract, are for the purpose ofdescription and should not be regarded as limiting.

As such, those skilled in the art will appreciate that the conceptionupon which this disclosure is based may readily be utilized as a basisfor the designing of other structures, methods and systems for carryingout the several purposes of the disclosure. It is important, therefore,that the claims be regarded as including such equivalent constructionsinsofar as they do not depart from the spirit and scope of thedisclosure.

BRIEF DESCRIPTION OF THE DRAWINGS

In order to facilitate a fuller understanding of the disclosure,reference is now made to the accompanying drawings, in which likeelements are referenced with like numerals. These drawings should not beconstrued as limiting the disclosure, but are intended to beillustrative only.

FIG. 1 shows a transaction system constructed in accordance with anaspect of the disclosure together with a number of other systemsinteracting with the transaction system.

FIG. 2 is a block diagram components of the transaction system.

FIG. 3 shows a process illustrating card acquisition in conjunction withthe multiple transaction system according to an aspect of thedisclosure.

FIG. 4 shows a process illustrating card usage in conjunction with themultiple transaction system according to an aspect of the disclosure.

FIG. 5 shows a card usable with the system and process to conductmultiple transactions in accordance with the disclosure.

DETAILED DESCRIPTION OF EMBODIMENTS

A multiple transaction system and process may aggregate accountinformation to allow a consumer to conduct multiple transactions with asingle common transaction card. The aggregate account information mayinclude debit account information, prepaid wireless service information,long-distance telephone service information, and the like.

The transaction system may communicate with various systems hosted byvarious entities to complete the purchase of or otherwise obtainproducts or services utilizing the single common transaction card. Forexample, the transaction system may communicate with a transactionserver and a financial server via a communication network to completethe transaction to obtain products or services. The transaction systemand process may further communicate with a prepaid wireless serviceprovider and allow the consumer to obtain, authorize, or add prepaidwireless service using the single common transaction card. Moreover, thetransaction system and process may further allow the consumer to obtainlong-distance telephone service utilizing the single common transactioncard.

FIG. 1 shows a transaction system constructed in accordance with anaspect of the disclosure together with a number of other systemsinteracting with the transaction system. Referring to FIG. 1, there isshown a transaction system 100 in accordance with an aspect of thedisclosure. The transaction system 100 may allow a consumer 102 toconduct financial transactions with a single common transaction card 104with a financial institution 108 at a point-of-sale (POS) terminal 110,over the Internet, or the like, such as communication network 122 andmay include any other components necessary to complete a purchase. FIG.1 further shows the transaction system 100 allowing a consumer 102 toobtain long-distance telephone service from a long distance telephoneservice provider 112 over a telephone network 114 with a telephone 116utilizing the single common transaction card 104. Finally, FIG. 1 showsthe transaction system 100 allowing the consumer 102 to obtain prepaidwireless service from a prepaid wireless service provider 124 for theirwireless device 118 over a wireless network 120 utilizing the singlecommon transaction card 104. The single common transaction card 104 andtransaction system 100 may provide additional services and productsutilizing other service providers, financial institutions, and the like.

Although the transaction system 100 is shown as a single component inFIG. 1, the transaction system 100 may also be alternatively locatedentirely or partially on one or more secondary systems separate from thetransaction system 100. This secondary system may include a database,server, or the like that connects to the communication network 122 andprovides the functionality described herein.

The wireless device 118 may include, for example, a mobile phone, asmart phone, a computer, a personal computer, a laptop, a cellularcommunication device, a workstation, a mobile device, a phone, atelevision, a handheld PC, a personal digital assistant (PDA), a networkappliance, an Internet accessible device, netbook, tablet computer, orany other device that may be in communication over the wireless network120.

The communication network 122 may couple the transaction system 100, thefinancial institution 108 and the point-of-sale (POS) terminal 110. Thecommunication network 122 may be a wireless network, a wired network orany combination of wireless network and wired network. For example, thecommunication network 122 may include one or more of a fiber opticnetwork, a passive optical network, a cable network, an Internetnetwork, a satellite network (e.g., operating in Band C, Band Ku or BandKa), a wireless LAN, a Global System for Mobile Communication (GSM), aPersonal Communication Service (PCS), a long term evolution (LTE)network, a CDMA (Code-Division Multiple Access) network, W-CDMA(Wideband Code-Division Multiple Access) network, a Personal AreaNetwork (PAN), D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE 802.11a,802.11b, 802.15.1, 802.11n and 802.11g network or any other wired orwireless network for transmitting and receiving a data signal. Inaddition, the communication network 122 may include, without limitation,telephone lines, fiber optics, IEEE Ethernet 802.3 channels, wide areanetwork (WAN) channels, local area network (LAN), or global networkaspects such as the Internet. The communication network 122 may supportan Internet network, a wireless communication network, a cellularnetwork, or the like, or any combination thereof.

The communication network 122 may further include one, or any number ofthe exemplary types of networks mentioned above operating as astand-alone network or in cooperation with each other. Although thecommunication network 122 is depicted as one network, it should beappreciated that according to one or more embodiments, the communicationnetwork 122 may include a plurality of interconnected networks, such as,for example, a service provider network, the Internet, a broadcaster'snetwork, a cable television network, corporate networks, home networksand the like.

The transaction system 100 may include one or more servers. For example,the transaction system 100 may include a UNIX based server, Windows 2000Server, Microsoft IIS server, Apache HTTP server, API server, Javaserver, Java Servlet API server, ASP server, PHP server, HTTP server,Mac OS X server, Oracle server, IP server, other independent server orthe like to support operations of a client. Also, the transaction system100 may include one or more of an Internet Protocol (IP) network serveror public switch telephone network (PSTN) server. The transaction system100 may include one or more databases for storing a network modeltopology, network policies based at least in part on the network modeltopology, and/or the like.

The financial institution 108 may include one or more servers tocommunicate financial information to the point-of-sale (POS) 110 and/ortransaction system 100 via the communication network 122. For example,the financial institution 108 may include a UNIX based server, Windows2000 Server, Microsoft IIS server, Apache HTTP server, API server, Javaserver, Java Servlet API server, ASP server, PHP server, HTTP server,Mac OS X server, Oracle server, IP server, other independent server orthe like to provide financial information to the point-of-sale (POS)terminal 110. Also, the financial institution 108 may include one ormore of an Internet Protocol (IP) network server, public switchtelephone network (PSTN) server, or the like.

The financial institution 108 may include one or more memory storagedevices including, without limitation, paper card storage, punched card,tape storage, paper tape, magnetic tape, disk storage, gramophonerecord, floppy disk, hard disk, ZIP disk, holographic, molecular memoryor the like. The one or more storage devices may also include, withoutlimitation, optical disc, CD-ROM, CD-R, CD-RW, DVD, DVD-R, DVD-RW,DVD+R, DVD+RW, DVD-RAM, Blu-ray, Minidisc, HVD, Phase-change Dualstorage device and the like. The one or more storage devices may furtherinclude, without limitation, magnetic bubble memory, magnetic drum, corememory, core rope memory, thin film memory, twistor memory, flashmemory, memory card, semiconductor memory, solid state semiconductormemory or any other like mobile storage devices.

The point-of-sale (POS) terminal 110 may include a scanner, a reader, acash register, transceiver devices, and/or other detection devices thatmay identify products or services. For example, the scanners or thereaders at the point-of-sale (POS) terminal 110 may include a near fieldcommunications (NFC) device, barcode reader, radio-frequencyidentification (RFID) detector, infrared detector, Bluetooth detector,laser scanner, cameras, near-field communication devices, image scanner,and/or other detection devices that may identify products or services.The point-of-sale (POS) terminal 110 may also include a mobile userdevice, a computer, a personal computer, a laptop, a cellularcommunication device, a workstation, a mobile device, a personal digitalassistant (PDA), a thin system, a fat system, a network appliance, anInternet accessible device, netbook, tablet computer, or other any otherdevice. The transaction system 100 and the financial institution 108.The point-of-sale (POS) terminal 110 may further include one or moreintermediary devices that may communicate with the communication network122, such as a transmitter/receiver, router, modem, a transceiver or thelike. The point-of-sale (POS) terminal 110 may be coupled to thetransaction system 100 and the financial institution 108 via a wiredlink. In another example, the point-of-sale (POS) terminal 110 may becoupled to the transaction system 100 and the financial institution 108via a wireless link or a combination of a wired link and a wirelesslink.

FIG. 2 is a block diagram of components of the transaction system 100.The transaction system 100 may include a communication module 202, aprocessing module 204, a database module 206, a prepaid wireless module208, an account module 210, a long-distance telephone service module212, and a payment method module 214. It is noted that modules 202-214are exemplary and the functions performed by one or more of the modulesmay be combined with that performed by other modules. The functionsdescribed herein as being performed by modules 202-214 also may beseparated and may be located or performed by other modules.

The communication module 202 may include transceivers and a computerprocessor to establish a communication path with one or more of thetransaction system 100, the financial institution 108, the prepaidwireless service provider 124, the long distance telephone provider 112and the like via the communication network 122. For example, thecommunication module 202 may include a user interface (e.g., a graphicaluser interface (GUI), an application programming interface (API)) or thelike to transmit information between one or more of the transactionsystem 100, the financial institution 108, the prepaid wireless serviceprovider 124, the long-distance telephone provider 112 and the like. Forexample, the communication module 202 may include a separate or unifiedgraphical user interface to communicate with the consumer 102. Inanother example, the communication module 202 may include an applicationprogramming interface (API) or the like to communicate with one or moreof the transaction system 100, the financial institution 108, theprepaid wireless service provider 124, the long-distance telephoneprovider 112 and the like. The communication module 202 may becommunicatively coupled to other modules of the transaction system 100.For example, the communication module 202 may receive information fromthe consumer 102, the transaction system 100, the financial institution108, the prepaid wireless service provider 124, and the long-distancetelephone provider 112 and provide the information to other modules ofthe transaction system 100.

The processing module 204 may access various modules to complete theprocess of purchasing or otherwise obtaining products or services. Theprocessing module 204 may include one or more computer processors anddatabases to access information from various modules of the transactionsystem 100. For example, the processing module 204 may access thedatabase module 206, the prepaid wireless module 208, the account module210, the long distance telephone service module 212, and/or paymentmodule 214 to purchase or otherwise obtain products or services(transaction).

For example, the processing module 204 may access account module 210 toobtain account information associated with the transaction. Theprocessing module 204 may access the transaction information stored atthe point-of-sale 110 via the communication module 202. The processingmodule 204 may communicate with the transaction system 100 and/or thefinancial institution 108 in order to obtain authorization to completethe transaction. The processing module 204 may authorize a transactionwhen it is determined that the single common transaction card 104 isauthorized to purchase the products or services. The communicationmodule 202 may provide an approval message to the point-of-sale 110 toapprove the transaction. Also, the transaction system 100 and/or thefinancial institution 108 may provide the approval message to thepoint-of-sale 110.

Once the processing module 204 approves a transaction, the processingmodule 204 may record the transaction database module 26.

The database module 206 may store transaction information of theconsumer 102. The database module 206 may include or use a computerprocessor and a physical memory database to store the transactioninformation of the consumer 102.

The prepaid wireless module 208 may communicate with the prepaidwireless provider 124 and/or the transaction system 100 directly orthrough the communication module 202. The prepaid wireless module 208ensures that transactions involving prepaid wireless service using thecommon transaction card 104 are properly completed.

The account module 210 may store account information of the consumer102. The account module 210 may include or use a computer processor anda physical memory database to store the account information of theconsumer 102. For example, the account module 210 may store accountinformation and may include a credit card, debit card, pre-paid cards, agift card, membership cards, a stored-value card, a smart card, a refundcard, a government card, a coupon, a reward, a voucher, an electronicmail, a scan code, prepaid wireless phone information, long-distancetelephone provider information and/or the like that may be used tocomplete a transaction to purchase products or services. The accountinformation may include one or more of identification number, expirationdate, security number, name, address, phone number, electronic mailaddress, website address, income, spending habits, age and/or otherinformation of a consumer.

The account information stored in the account module 210 may be updatedperiodically. For example, the account information may be updated daily,weekly, monthly, quarterly, seasonally, yearly and/or otherpredetermined period of time. The account module 210 may communicatewith the transaction system 100 and/or the financial institution 108directly or via the communication module 202. The transaction system 100and/or the financial institution 108 may provide updated accountinformation of various accounts of the consumer to the account module210.

The long-distance telephone service module 212 may communicate with thelong-distance provider 112 and/or the transaction system 100 to ensurethat when the consumer 102 uses the common transaction card platform forto obtain long-distance service, the transaction is properly completed.

The payment module 214 may determine transaction information for thepurchase of products or services. The transaction information mayinclude one or more of a date, price, description, size, universal pricecode (UPC), size, expiration date, merchant, location and otherinformation to complete the purchase of products or services.

FIG. 3 shows a process illustrating the card acquisition for themultiple transaction system according to an aspect of the disclosure.This exemplary method 300 may be provided by way of example, as thereare a variety of ways to carry out the method. The method 300 shown inFIG. 3 can be executed or otherwise performed by one or a combination ofvarious systems. The method 300 is described below may be carried out bythe systems, networks, and/or modules shown in FIGS. 1 and 2, by way ofexample, and various elements of the systems, networks, and/or modulesare referenced in explaining the example method of FIG. 3. Each blockshown in FIG. 3 represents one or more processes, methods or subroutinescarried out in exemplary method 300. Referring to FIG. 3, exemplarymethod 300 may begin at step 302.

In process 302, the transaction system 100 and/or the financialinstitution 108 may generate a debit card number and set up and/orassociate an account with the financial institution 108. Additionally,any other actions necessary to enable the debit card capability of thecommon transaction card 104 are implemented in process 302. Accordingly,after process 302, the common transaction card 104 may be used tocomplete debit card transactions.

In process 304, the transaction system 100 and/or the prepaid wirelessprovider 124 may generate a personal identification number for prepaidwireless service and set up and/or associate with a wireless account.Additionally, any other actions necessary to enable obtain, adding,and/or authorizing prepaid wireless service are implemented in process304. Thereafter, the consumer 102 may use the common transaction card104 to obtain, add, and/or authorize prepaid wireless service associatedwith the wireless device 118 associated with the prepaid wirelessprovider 124.

Next, in process 306 the transaction system 100 and/or the long-distanceprovider 112 may generate a long-distance access number, personalidentification number, and/or the like. Additionally, any other actionsnecessary to obtain long-distance service are implemented in process. 6.Thereafter, the consumer 102 may use the common transaction card 104 toobtain long distance telephone service using the common transaction card104.

Finally, in process 308 a card is generated that includes the debit cardnumber, the prepaid wireless service personal identification number, andthe long-distance access number and personal identification number. Anexemplary common transaction card 104 is shown in FIG. 5.

FIG. 4 shows a process illustrating the card usage for the multipletransaction system according to an aspect of the disclosure. Thisexemplary method 400 may be provided by way of example, as there are avariety of ways to carry out the method. The process 400 shown in FIG. 4can be executed or otherwise performed by one or a combination ofvarious systems. The process 400 is described below may be carried outby the systems, networks, and/or modules shown in FIGS. 1 and 2, by wayof example, and various elements of the systems and networks arereferenced in explaining the example process of FIG. 4. Each block shownin FIG. 4 represents one or more processes, methods or subroutinescarried out in exemplary method 400. Referring to FIG. 4, exemplaryprocess 400 may begin at step 402. In step 402, when the user is usingthe debit function, the user will interact with a financial institutionas is known in the art. In step 404, if the user is obtaining prepaidwireless service, the user may interact with the prepaid wirelessservice as is known in the art. Finally, if the user is obtaininglong-distance service, the user interacts with a long distance serviceprovider as is known in the art.

FIG. 5 shows a card usable with the system and process to conductmultiple transactions in accordance with the disclosure. FIG. 5 shows acard 600 having a card name 602, a long-distance access number andpersonal identification number 604, a prepaid wireless access code 606,a debit or credit card number 608, the consumer name 610, a credit cardlogo 612, and a card type indicator 614.

The prepaid wireless access code 606 may provide a predetermined amountof wireless service. The predetermined amount of wireless service mayinclude one or more or a combination of wireless services. The wirelessservices may include wireless airtime, wireless messaging, wirelessdata, days of service, or the like. The card 600 can have any number ofthe codes 606. For example, the card 600 may have two, three, four,five, six or more codes.

Accordingly, the transaction system and process described hereinprovides financial transactions based on a single card, the system andprocess further provides prepaid wireless service based on the singlecard, and the system and process further provides long-distance servicebased on the single card. The transaction system and process overcomesmany the shortcomings of multiple card approaches.

The disclosure may include communication channels that may be any typeof wired or wireless electronic communications network, such as, e.g., awired/wireless local area network (LAN), a wired/wireless personal areanetwork (PAN), a wired/wireless home area network (HAN), awired/wireless wide area network (WAN), a campus network, a metropolitannetwork, an enterprise private network, a virtual private network (VPN),an internetwork, a backbone network (BBN), a global area network (GAN),the Internet, an intranet, an extranet, an overlay network, a cellulartelephone network, a Personal Communications Service (PCS), using knownprotocols such as the Global System for Mobile Communications (GSM),CDMA (Code-Division Multiple Access), W-CDMA (Wideband Code-DivisionMultiple Access), Wireless Fidelity (Wi-Fi), Bluetooth, and/or the like,and/or a combination of two or more thereof.

In an embodiment, the disclosure may be implemented in any type ofmobile smartphones that are operated by any type of advanced mobile dataprocessing and communication operating system, such as, e.g., an AppleiOS operating system, a Google Android operating system, a RIMBlackberry operating system, a Nokia Symbian operating system, aMicrosoft Windows Mobile operating system, a Microsoft Windows Phoneoperating system, a Linux operating system or the like.

Further in accordance with various aspects of the disclosure, themethods described herein are intended for operation with dedicatedhardware implementations including, but not limited to, microprocessors,PCs, PDAs, SIM cards, semiconductors, application specific integratedcircuits (ASIC), programmable logic arrays, cloud computing devices, andother hardware devices constructed to implement the methods describedherein.

The disclosure is not to be limited in scope by the specific embodimentsdescribed herein. Indeed, other various embodiments of and modificationsto the disclosure, in addition to those described herein, will beapparent to those of ordinary skill in the art from the foregoingdescription and accompanying drawings. Thus, such other embodiments andmodifications are intended to fall within the scope of the disclosure.Further, although the disclosure has been described herein in thecontext of at least one particular implementation in at least oneparticular environment for at least one particular purpose, those ofordinary skill in the art will recognize that its usefulness is notlimited thereto and that the disclosure may be beneficially implementedin any number of environments for any number of purposes. Accordingly,the claims set forth below should be construed in view of the fullbreadth and spirit of the disclosure as described herein.

The invention claimed is:
 1. A transaction system including one or moreservers comprising: a communication module comprising a transceiver, afirst computer processor, and an application programming interface (API)configured to establish a communication path with a financialinstitution, a prepaid wireless service provider, and a long distancetelephone service provider via a communication network; a processingmodule comprising a second computer processor configured to access adatabase module, a prepaid wireless module, an account module, a longdistance telephone service module, and a payment module to purchase orotherwise obtain products or services; the account module comprising athird computer processor and a first physical memory database to storeaccount information of a user; the database module comprising a fourthcomputer processor and a second physical memory database to storetransaction information of the user; the prepaid wireless moduleconfigured to communicate with the prepaid wireless service provider;the long-distance telephone service module configured to communicatewith the long distance telephone service provider; and the paymentmodule configured to determine transaction information for the purchaseof products or services; wherein the transaction system is configuredto: generate a debit card number and set up a debit account for the userwith the financial institution; generate an access code for prepaidwireless service and set up a prepaid wireless service account for theuser with the prepaid wireless service provider; generate a personalidentification number for long distance telephone service and set up along distance telephone service account for the user with the longdistance telephone service provider; store debit account information,prepaid wireless service account information, and long distancetelephone service account information of the user in the account moduleperiodically receive updated account information of the user from thefinancial institution and store the updated account information in theaccount module; access information in the account module including thedebit account information, the prepaid wireless service accountinformation, and the long-distance telephone account information;generate a single card that includes each of the debit card number, theaccess code for prepaid wireless service, a long distance access number,and the personal identification number for long distance telephoneservice printed on the face of the card; wherein the processing moduleis further configured to access the payment module to obtain the debitaccount information associated with the debit card number printed on theface of the card, access transaction information stored at apoint-of-sale terminal via the communication module, communicate withthe financial institution in order to obtain authorization to completeone or more transactions to purchase products or services, authorize theone or more transactions when it is determined that the user isauthorized to purchase the products or services, provide approvalmessages to the point-of-sale terminal to approve the one or moretransactions, and record the one or more transactions in the databasemodule; wherein the prepaid wireless module is further configured tocommunicate with the prepaid wireless service provider to add andauthorize prepaid wireless service associated with the access codeprinted on the card and complete one or more transactions associatedwith the prepaid wireless service account of the user; wherein the longdistance module is further configured to communicate with the longdistance telephone service provider to obtain long distance telephoneservice associated with the long distance access number and personalidentification number printed on the card and complete one or moretransactions associated with the long distance telephone service accountof the user.
 2. A method for a user to execute debit card transactions,obtain prepaid wireless service, and obtain long distance telephoneservice using the information printed on a single card via a transactionsystem including one or more servers comprising a communication module,an application programming interface (API), a processing module, aprepaid wireless module, a long distance telephone service module, anaccount module, and a database module, the method comprising:generating, via the processing module, a debit card number and settingup a debit account for the user with a financial institution;generating, via the prepaid wireless module, an access code for prepaidwireless service and setting up a prepaid wireless service account forthe user with a prepaid wireless service provider; generating, via thelong distance telephone service module, a personal identification numberfor long distance telephone service and setting up a long distancetelephone service account for the user with a long distance telephoneservice provider; storing debit account information, prepaid wirelessservice account information, and long distance telephone service accountinformation of the user in the account module periodically receivingupdated account information of the user from the financial institutionand storing the updated account information in the account module;accessing information in the account module including the debit accountinformation, the prepaid wireless service account information, and thelong-distance telephone service account information; generating a singlecard that includes each of the debit card number, the access code forprepaid wireless service, a long distance access number, and thepersonal identification number for long distance telephone serviceprinted on the face of the card; obtaining, via the processing moduleaccessing the payment module, the debit account information associatedwith the debit card number printed on the face of the card, accessingtransaction information stored at a point-of-sale terminal via thecommunication module, communicating with the financial institution inorder to obtain authorization to complete one or more transactions topurchase products or services, authorizing the transactions when it isdetermined the user is authorized to purchase the products or services,providing approval messages to the point-of-sale terminal to approve theone or more transactions, and recording the one or more transactions inthe database module; communicating with the prepaid wireless serviceprovider via the prepaid wireless module to add and authorize prepaidwireless service associated with the access code printed on the card andcompleting one or more transactions associated with the prepaid wirelessservice account of the user; communicating with the long distancetelephone service provider via the long distance telephone servicemodule to obtain long distance telephone service associated with thelong distance access number and personal identification number printedon the card and completing transactions one or more associated with thelong distance telephone service account of the user.